Fair Debt Collection Practices Act
September 20, 1977
About the Act
Example of Prohibited Conduct
Failure to cease communication upon request: communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted
Abusive or profane language: used in the course of communication related to the debt
Misrepresentation or deceit: misrepresenting the debt or using deception to collect the debt, including a debt collector's misrepresentation that he or she is an attorney or law enforcement officer
Give the name and address of the original creditor upon the consumer's written request made within 30 days of receipt of the notice
Notify the consumer of their right to dispute the debt, in part or in full, with the debt collector.
Provide verification of the debt: If a consumer sends a written dispute or request for verification within 30 days of receiving the notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether.
File a lawsuit in a proper venue: If a debt collector chooses to file a lawsuit, it may only be in a place where the consumer lives or signed the contract